Compare · 4 funds side by side · dividends reinvested

MMIT, MMMA, SGOV and VCIT

MMITNY Life Investments×MMMANY Life Investments×SGOViShares×VCITVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$12,090SGOV · best of the four

02 / 04

MMIT, MMMA, SGOV and VCIT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.2%+3.8%+4.5%+3.9%0.0%0.2%$117B1.9

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.71%+3.5%[…][…][…][…][…]$60M2.0

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.8%+0.4%+6.9%+1.0%−4.9%4.5%$66.6B2.3

NYLI MacKay Muni Intermediate ETFBonds & Cash · Municipal0.40%3.68%+1.1%+1.7%+4.6%+1.2%−5.9%3.2%$1.7B2.5

Rank among the four1st → 4thFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 6, 2026 · returns include dividends · since: MMIT 2017 · MMMA 2025 · SGOV 2020 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

NYLI MacKay Muni Intermediate ETF · $1.7B$10,604

MMIT

MMMA

NYLI MacKay Muni Allocation ETF · $60M[…]

$10,000 five years ago, dividends reinvested · they hold 0.4% in common

MMITMeasureMMMA

+1.1%Year to dateJan 1 → Nov 6+3.5%

+1.7%1 yearTotal return[…]

+4.6%3 years · per year$10,000 became $11,437 · […][…]

+1.2%5 years · per year$10,000 became $10,604 · […][…]

0.40%Expense ratio$40 · $40 a year on $10k · lower is better0.40%

3.68%Trailing 12-mo yield$368 · $371 a year on $10k3.71%

−5.9%Worst dropSmaller is better[…]

3.2%VolatilityLower is calmer[…]

MMITMMMA Winner of the row, in its colourEach row: the bigger of the two fills its side

0–2MMMA wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

MMIT vs MMMA: Top 5 Holdings

Today

MMIT

0.4%in top 5

MMMA

in top 50.8%

MMITStockMMMA

0.4%CASH0.8%

Held in common0.4%

End-of-day Nov 6, 2026 · share of each fund

MMIT vs MMMA Returns, Every Period

NY Life InvestmentsMMIT

+1.7%

past year

MMMANY Life Investments

[…]

past year

MMITMMMAFaded: behind in that period

0–1MMMA wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

MMIT vs VCIT

YTD

NY Life InvestmentsMMIT

+1.1%

VCITVanguard

−0.8%

+1.1%Year to date−0.8%

−5.9%Worst drop · 1Y−4.9%

3.2%Volatility · 1Y4.5%

3.7%Yield5.0%

$1.7BAssets$66.6B

2–2level

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: MMIT, MMMA, SGOV, VCIT

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

SGOV0.09%$9

MMIT0.40%$40

MMMA0.40%$40

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: MMIT, MMMA, SGOV, VCIT

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

MMMA3.71%$371

MMIT3.68%$368

SGOV3.63%$363

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

SGOV$363 − $9 = $354

MMMA$371 − $40 = $331

MMIT$368 − $40 = $328

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: MMIT, MMMA, SGOV, VCIT

Today

0.4%most shared, MMIT and MMMA

MMITMMMASGOVVCIT

MMIT—0.4%[…][…]

MMMA0.4%—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+3.8%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

MMITWorst drop−5.9%3.2% vol

VCITWorst drop−4.9%4.5% vol

MMMAWorst drop[…][…]

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

VCITMMMA

−0.8%Year to date+3.5%

5.0%Yield3.7%

+0.4%Past year[…]

0.03%Fee0.40%

2–1VCIT wins

End-of-day Nov 6, 2026

Popular Pairs Near These Four

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.3B

1–1level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 6, 2026